Mid-month Debt payoff update February 2024

So each month, in the middle of the month, I will make a debt payoff post. I posted a TikTok post last week about my debt payoff journey, and it got 70 likes, so I want to make a blog post about it also.  So as of February 16, 2024, I owe 19,695 dollars in consumer debt. My goal is to pay this off by September 2024.  Now this may seem like a lot, but less than 2 years ago, this number was close to $40,000!!!! Insane?? Right!!!! That means I have already paid off close to $20,000. So what is consumer debt? And how did I get so far behind? So consumer debt is debt that consists of personal debts that are owed as a result of purchasing goods that are used for individual or household consumption. Credit card debt, personal loans, auto loans, mortgages, and payday loans are all examples of consumer debt. So everything I owe is basically something that I bought. My car is paid off, so I don't have auto loans. So this debt is basically credit card debt and a mix of personal loans. So how did it get so high? After the pandemic happened, I wasn't working for 10 months, and man, those 10 months really hit me because, after the pandemic, inflation happened. So I wasn't earning any income from working; I only made money from my business. And I was still spending as if I had two sources of income. That's how I can explain it. Also keep in mind that during this phase, my separation happened, so I went from a two-income household to one.  So I'm proud to say today that I only owe 19,695 dollars, because it could be worse. I'm learning to take everything one day at a time. One week at a time. And last, one paycheck at a time, lol. Bye!!!!!! Here is a screenshot of a payment I made today!!!!